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Share the QR code < / P > < p > with wechat scanning code to friends and circles of friends < / P > < p > Author: Li Dan < / P > < p > Abstract: the SEC usually waits for the company to launch investment products first, and then announces possible sanctions. This time, coinbase has not really launched the product that customers earn interest through cryptocurrency loans, so it has issued the threat of prosecution. The legal profession said that this was the first time in a long time that the SEC was so radical < p > < / P > < p > US regulators have released the latest signal that they will never be soft on the regulation of cryptocurrency < p > coinbase, the largest cryptocurrency exchange in the United States, disclosed on Tuesday night Eastern time that it received a notice from the securities and Exchange Commission (SEC) last Wednesday that the SEC intended to sue the company for coinbase's plan to launch a product coinbase lend. To the surprise of the company, the SEC did not disclose the reason for the threat of prosecution < p > coinbase hopes that qualified coinbase lend users can earn interest by providing some cryptocurrency asset loans held on the conibase platform. The first stable currency usdc loan can be launched with an annual yield of 4%. The principal of customers involved in lending is safe < p > coinbase said that it informed the SEC of the plan details of the above products. In the first meeting between the two sides, coinbase answered all the written questions of the SEC and answered these questions again in the personal meeting, but did not get much response from the sec. The SEC said it thought the product would evolve into a security, but did not explain why or how to reach this conclusion. In June this year, the SEC launched a formal investigation without providing any explanation < p > coinbase said that coinbase lend could not be launched until at least October this year. Last week's notice did not even want to take legal action directly after basic regulatory steps. From this point of view, either the company will have to postpone the launch of new products indefinitely without knowing the reason, or it will be sued. Although the SEC gave coinbase the opportunity to submit a written defense, it was futile for the company to defend the new product because it did not understand the reasons for the SEC's action < p > SEC officials declined to comment on the possibility of suing coinbase. Some media commented that the enforcement action of the SEC sent a regulatory signal to the whole cryptocurrency industry < p > according to the media, some former SEC officials pointed out that the SEC would usually wait for the company to launch investment products before announcing possible sanctions. This action against coinbase shocked them. This suggests that the SEC has found a powerful way to block advanced cryptocurrency products that it is worried about bringing risks to consumers < p > James Cox, a professor at Duke University Law School, said that this was the first time in a long time that the SEC was so radical. The SEC has threatened cryptocurrency many times before. It is a fast-growing market and a fertile ground for abuse < p > it is worth mentioning that Gary Gensler, the SEC chairman who officially took office in April this year, is a former Goldman Sachs partner who understands finance. He also taught digital assets courses at MIT. This background is very different from most U.S. government officials who have limited knowledge of the cryptocurrency market < p > in fact, after Gensler took office, the trend of the SEC to strengthen supervision can be followed. As mentioned in previous articles on Wall Street, Gensler said that the SEC must eradicate fraud in the cryptocurrency market when he was just nominated as the chairman of the sec < p > Gensler said at the time that cryptocurrency was "a catalyst for change". Bitcoin and cryptocurrency have brought new ideas for payment and financial inclusion, but they have also raised concerns about investor protection. If confirmed by the SEC, he will be committed to promoting innovation and ensuring the protection of investors < p > in May this year, Gensler hinted at a congressional hearing that today's popular cryptocurrency and spac will face stricter supervision in the Biden era. He looks forward to cooperating with other regulators and Congress to fill the gap in the field of investor protection in the cryptocurrency market < p > in July, Gensler referred to the cryptocurrency industry as "the wilderness of our financial system" and "there is an urgent need" to introduce regulations. The SEC will step up efforts to make enterprises responsible for their products that may involve securities, including decentralized financing platforms

2023-03-22 10:04:43